Notarial service

Wealth management

Certified Wealth Management Expert (RNCP level 7, AUREP), Maître Capdevila offers you from Beaulieu-sur-Mer a comprehensive view of your wealth to optimise its structuring and prepare its transfer.

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A rare expertise

Long-term
wealth
strategy

Notarial wealth management combines legal rigour with strategic vision. Unlike a mere financial adviser, a notary certified in wealth management holds the authority to authenticate the deeds that give effect to your strategy: gift, division of ownership (démembrement), incorporation of an SCI, and drafting of beneficiary clauses.

Holder of the AUREP diploma (Association Universitaire de Recherche et d'Enseignement sur le Patrimoine — the French university body for wealth research and education), at RNCP level 7, Maître Capdevila is one of the few notaries on the French Riviera to combine this dual legal and wealth expertise in the service of your interests.

What we handle

Real estate law

Comprehensive wealth audit
Intergenerational transfer strategies
Division of ownership (usufruct / bare ownership)
Life insurance and drafting of beneficiary clauses
Wealth-holding property company (SCI)
Tax optimisation and gift tax
Pacte Dutreil for the transfer of a business
International wealth structures

Frequently asked questions

Your most
frequently asked questions

A wealth management adviser (CGP) guides you on your financial investments and insurance. A notary certified in wealth management does far more: he designs a comprehensive strategy integrating your real estate, financial and professional assets, then executes it legally through authentic deeds (gifts, divisions of ownership, SCI articles of association). It is a 360° approach that few professionals can offer.

Division of ownership consists in separating the ownership of an asset into two distinct rights: the usufruct (the right to use the asset and receive its income) and the bare ownership (the right to dispose of the asset in due course). By giving the bare ownership to one's children while retaining the usufruct, one transfers wealth during one's lifetime with reduced taxation, since the value of the bare ownership is lower than that of full ownership.

The SCI (Société Civile Immobilière, a non-trading property company) is a powerful tool for organising the holding and transfer of a real estate portfolio. It makes it easier to gradually give shares to your children (with allowances renewable every 15 years), avoids the deadlocks of joint ownership (indivision), allows the taxation of rental income to be optimised and simplifies the collective management of family assets.

Several tools help reduce gift and inheritance tax: statutory allowances (€100,000 per child every 15 years), division of ownership, gifts of bare ownership, life insurance (which benefits from a very favourable tax regime outside the estate), the donation-partage (lifetime gift and division of estate) and, for business owners, the Pacte Dutreil, which allows a 75% exemption on the value of the shares transferred. The notary builds your strategy according to your situation and your objectives.

The earlier the better, and ideally before the age of 70 to take full advantage of life insurance benefits. Wealth transfer is a gradual process: starting at 50-60 makes it possible to use the gift allowances several times (renewable every 15 years) and to significantly reduce the tax bill for your heirs. Maître Capdevila helps you build a transfer timeline suited to your situation.

Our other areas of expertise